Lemonade Car Insurance Reviews

Lemonade car insurance utilizes artificial intelligence (AI) to streamline processes and reduce overhead costs, which can result in affordable premium costs for policyholders.

Plans start at $30 a month and are available in seven states: Arizona, Illinois, Ohio, Oregon, Tennessee, Texas and Washington. You can get a quote in minutes by visiting Lemonade Insurance’s website or by using the mobile app.

Lemonade car insurance is a certified B-corp, which means its mission must create a positive environmental and social impact. As part of the company mission, it donates a portion of the premiums it collects to selected nonprofit organizations.

Lemonade car insurance offers a variety of coverage, including:

• Bodily injury liability: Covers medical expenses for injuries to someone who is not a passenger in your vehicle.
• Property damage liability: Covers the costs to repair or replace another person’s car or personal property if you are at fault for the accident.
• Collision: covers the repair or replacement costs of your vehicle if it's damaged in an accident.
• Comprehensive: Covers repair or replacement costs to your vehicle as a result of an event other than a car accident, like storm damage or vandalism.
• Medical payment (MedPay): Covers certain medical expenses, like X-rays, hospital visits and ambulance fees, for you and your passengers.
• Personal injury protection (PIP): Includes the same coverage as MedPay, as well as a portion of lost wages and other expenses like child care costs.
• Uninsured motorist bodily injury (UMBI): Covers medical expenses and lost wages due to an accident caused by an uninsured driver.
• Uninsured motorist property damage (UMPD): Covers the repair costs for your vehicle due to an accident caused by an uninsured driver.
• Underinsured motorist bodily injury (UIMBI): Covers the remaining portion of medical bills and lost wages due to an accident caused by an underinsured driver up to policy limits.
• Underinsured motorist property damage (UIPD): Covers the remaining portion of vehicle repair costs up to policy limits.
• Roadside assistance: Free for policyholders who use the Lemonade app and opt for both comprehensive and collision coverage. However, Oregon drivers must add roadside assistance to their policy as optional coverage.

The Lemonade app allows you to adjust your coverage as well as upload pictures and videos of your vehicle and submit your claim instantly.

» COMPARE: Comprehensive vs. collision insurance

Lemonade car insurance plans start at $30 a month. You can request a customized quote online or through the Lemonade app. Be prepared to enter information like your car’s year, make and model, as well as your average yearly mileage, to get an accurate price quote.

If you sign up for a Lemonade car insurance policy, you’ll need to download the Lemonade app and enable location services. The company uses telematics, or location-based technology, to track driving habits in the background. The app gathers data about following distance, driving speed, phone usage and night driving.

You’ll be given an initial rate when you first sign up for a policy based on a self-assessment of your driving habits. After a few weeks, your rate will adjust based on the data collected through the Lemonade app.

» LEARN: Factors that affect car insurance rates

Lemonade car insurance is a good option if you have a clean driving record and don’t drive a lot. The company is transparent about pricing and offers instant quotes online. You can earn even more discounts if you use the Lemonade app. Also, claims are processed quickly through the app.